Mortgage Offers
Mortgage Offers

High LTV Plan

 

 

 

Plan A:
Preferential loan scheme
(NEW) HIBOR Bank Rate Plan
Interest Rate (p.a.)
as low as H+1.24%
Interest Rate Cap
capped at P-2.75%; P:5.25%
Cash Rebate
up to 1.6% of loan amount
Features
Enjoy preferential savings
interest rate to offset the mortgage interest expense
Prepayment Penalty Period
2 years
Loan Tenor
up to 30 years
Remarks
1 month HIBOR: 1.78% on 14/2/20
 
Note: According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$10 million); or up to 90% (i. for property value at or below HK$8 million subject to loan cap of HK$7.2 million; and for ii.regular salaried first time homebuyers with a maximum debt-to-income ratio of 50%), subject to bank final approval

 

Plan B:
Preferential loan scheme
Preferential Prime Rate
Bank Mortgage Plan
Net Rate (p.a.)
as low as P-2.9% (P:5.25%)
Cash Rebate
up to 1.5% of loan amount
Features
Enjoy preferential savings
interest rate to offset the mortgage interest expense
Prepayment Penalty Period
2 years
Loan-to-Value Ratio
Up to 80%*(or up to 90%*)
Loan Tenor
up to 30 years
Remarks
Note: According to Mortgage Insurance Programme (MIP), LTV ratio can be up to 80% (for property value at or below HK$10 million); or up to 90% (i. for property value at or below HK$8 million subject to loan cap of HK$7.2 million; and for ii.regular salaried first time homebuyers with a maximum debt-to-income ratio of 50%), subject to bank final approval

 

Plan C:
Preferential loan scheme
High LTV Plan for Properties
Interest Rate (p.a.)
as low as P-2.6% to P-2.5%(P:5.25%)
Net Rate (p.a.)
as low as 2.65% to 2.75%
Cash Rebate
up to 0.5% of loan amount
Features
Above mortgage insurance limit
Loan-to-Value Ratio
up to 80% (value at or below $8.33M)
up to 70% to 80% 
(value at or below $10M)
up to 65% (value at or above $10M)
Prepayment Penalty Period
2 year
Loan Tenor
up to 25years
Remarks
For first-hand [(i)presale of uncompleted & (ii) completed] residential property only; Insurance fee is required.

 

 

Plan D:
Preferential loan scheme
High LTV Mortgage Plan
Interest Rate (p.a.)
As low as P+0.5% to P+1.5%(P:5.25%)
Net Rate (p.a.)
As low as 5.75% to 6.75%
Features
No Stress Test
Loan-to-Value Ratio
Up to 80%
Loan Tenor
Up to 25 years

 

*For the above plan, if the cash rebate is more than 1% of the loan amount, the amount of the rebate shall be included in the upper limit of the mortgage.

Remarks:

The bank/financial institution reserve the right of the final approval of loan application and to adjust the terms and conditions of the above offers without prior notice.

Please call our Mortgage Service Hotline 2889 2886 for more choices of mortgage plans.

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